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Experts at Maximize My Social Security have answered more than 10,000 questions about Social Security over many years. Search for your questions and answers here.
Will My Survivor Benefits Be Reduced If I Start Drawing My Own Benefits Prior To Full Retirement Age?
My husband will be 66 in July 2018 and I will be 66 in Jan. 2019, 6 mos. after him. I plan to take my benefit at 65 1/2 (when he reaches 66) so that he can receive a spousal benefit on my record. When he is 70, he will take his own benefit. I know that my benefit will always be reduced because of starting 6 mos. before my full retirement age of 66. My question is will my survivor benefit (consisting of my husband's benefit increased by delayed ret. credits) also be reduced because I started my own benefit at 65 1/2?
Hi,
No, your survivor rate would not be reduced as long as you don't start drawing the survivor benefits until your full retirement age or later.
Best, Jerry
Category:
Posted:
April 15, 2018